Home > Marco Community Bank > Performance and Condition Ratios
Marco Community Bank, Performance and Condition Ratios
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2184% | 5,564 |
| Cost of funding earning assets | 2.3810% | 1,357 |
| Net interest margin | 2.8374% | 6,994 |
| Noninterest income to average assets | -0.6842% | 7,965 |
| Noninterest expense to average assets | 3.7651% | 1,763 |
| Loan and lease loss provision to assets | 5.3963% | 156 |
| Net operating income to assets | -10.4218% | 7,975 |
| Return on assets (ROA) | -10.3616% | 7,975 |
| Pretax return on assets | -7.3122% | 7,886 |
| Return on Equity (ROE) | -128.7231% | 7,974 |
| Retained earnings to average equity (ytd only) | -128.7231% | 7,974 |
| Net charge-offs to loans | 7.8969% | 86 |
| Credit loss provision to net charge-offs | 85.8461% | 6,132 |
| Earnings coverage of net charge-offs (x) | -0.3144% | 6,559 |
| Efficiency ratio | 210.4637% | 118 |
| Assets per employee ($millions) | 3.6236% | 4,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6077% | 229 |
| Loan loss allowance to noncurrent loans | 49.3207% | 5,099 |
| Noncurrent assets plus other real estate owned to assets | 11.2621% | 287 |
| Noncurrent loans to loans | 9.3424% | 464 |
| Net loans and leases to total assets | 82.9643% | 551 |
| Net loans and leases to deposits | 84.7221% | 3,137 |
| Net loans and leases to core deposits | 99.8239% | 4,019 |
| Total domestic deposits to total assets | 97.9252% | 14 |
| Equity capital to assets | 1.6475% | 7,968 |
| Core capital (leverage) ratio | 1.3921% | 7,973 |
| Tier 1 risk-based capital ratio | 1.8816% | 7,974 |
| Total risk-based capital ratio | 2.9742% | 7,977 |
| Memoranda: | ||
| Average total assets | $136,224,000 | 4,208 |
| Average earning assets | $118,733,800 | 4,334 |
| Average equity | $10,965,400 | 5,035 |
| Average total loans | $108,434,800 | 3,732 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1944% | 5,900 |
| Cost of funding earning assets | 2.5784% | 1,080 |
| Net interest margin | 2.6160% | 7,333 |
| Noninterest income to average assets | -1.1140% | 8,078 |
| Noninterest expense to average assets | 3.5663% | 2,106 |
| Loan and lease loss provision to assets | 4.0848% | 286 |
| Net operating income to assets | -4.7847% | 7,820 |
| Return on assets (ROA) | -4.7278% | 7,818 |
| Pretax return on assets | -6.4364% | 7,932 |
| Return on Equity (ROE) | -50.2274% | 7,834 |
| Retained earnings to average equity (ytd only) | -50.2274% | 7,831 |
| Net charge-offs to loans | 10.4406% | 42 |
| Credit loss provision to net charge-offs | 50.1399% | 6,302 |
| Earnings coverage of net charge-offs (x) | -0.2982% | 6,355 |
| Efficiency ratio | 313.7009% | 63 |
| Assets per employee ($millions) | 4.3186% | 3,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7011% | 2,626 |
| Loan loss allowance to noncurrent loans | 18.7615% | 7,153 |
| Noncurrent assets plus other real estate owned to assets | 9.5250% | 382 |
| Noncurrent loans to loans | 9.0670% | 495 |
| Net loans and leases to total assets | 72.2137% | 2,981 |
| Net loans and leases to deposits | 78.9180% | 4,575 |
| Net loans and leases to core deposits | 97.7549% | 4,636 |
| Total domestic deposits to total assets | 91.5047% | 255 |
| Equity capital to assets | 8.0170% | 6,834 |
| Core capital (leverage) ratio | 3.7595% | 7,995 |
| Tier 1 risk-based capital ratio | 5.6810% | 7,963 |
| Total risk-based capital ratio | 6.8998% | 7,976 |
| Memoranda: | ||
| Average total assets | $140,385,500 | 4,128 |
| Average earning assets | $120,794,250 | 4,325 |
| Average equity | $13,214,250 | 4,481 |
| Average total loans | $109,543,750 | 3,739 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3537% | 5,380 |
| Cost of funding earning assets | 2.6951% | 1,042 |
| Net interest margin | 2.6586% | 7,287 |
| Noninterest income to average assets | 0.3685% | 5,558 |
| Noninterest expense to average assets | 3.2115% | 3,305 |
| Loan and lease loss provision to assets | 6.0248% | 135 |
| Net operating income to assets | -4.1150% | 7,849 |
| Return on assets (ROA) | -4.0406% | 7,836 |
| Pretax return on assets | -6.4784% | 7,980 |
| Return on Equity (ROE) | -40.9450% | 7,853 |
| Retained earnings to average equity (ytd only) | -40.9450% | 7,839 |
| Net charge-offs to loans | 7.6637% | 112 |
| Credit loss provision to net charge-offs | 98.8605% | 4,653 |
| Earnings coverage of net charge-offs (x) | -0.0935% | 5,788 |
| Efficiency ratio | 121.5665% | 641 |
| Assets per employee ($millions) | 3.9501% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4625% | 98 |
| Loan loss allowance to noncurrent loans | 61.8444% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 10.1627% | 279 |
| Noncurrent loans to loans | 8.8326% | 456 |
| Net loans and leases to total assets | 70.5170% | 3,580 |
| Net loans and leases to deposits | 78.0921% | 4,853 |
| Net loans and leases to core deposits | 100.6593% | 4,445 |
| Total domestic deposits to total assets | 90.2998% | 711 |
| Equity capital to assets | 9.0043% | 5,310 |
| Core capital (leverage) ratio | 5.2483% | 8,006 |
| Tier 1 risk-based capital ratio | 7.2524% | 7,985 |
| Total risk-based capital ratio | 8.5606% | 7,986 |
| Memoranda: | ||
| Average total assets | $141,116,000 | 4,156 |
| Average earning assets | $120,664,000 | 4,350 |
| Average equity | $13,926,000 | 4,320 |
| Average total loans | $112,217,670 | 3,715 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4147% | 5,343 |
| Cost of funding earning assets | 2.7140% | 1,228 |
| Net interest margin | 2.7007% | 7,206 |
| Noninterest income to average assets | 0.0317% | 7,921 |
| Noninterest expense to average assets | 3.1573% | 3,161 |
| Loan and lease loss provision to assets | 0.3752% | 3,080 |
| Net operating income to assets | -0.7242% | 7,077 |
| Return on assets (ROA) | -0.5801% | 6,996 |
| Pretax return on assets | -0.9264% | 7,113 |
| Return on Equity (ROE) | -5.6188% | 7,031 |
| Retained earnings to average equity (ytd only) | -5.6188% | 6,636 |
| Net charge-offs to loans | 4.3121% | 270 |
| Credit loss provision to net charge-offs | 10.5949% | 5,192 |
| Earnings coverage of net charge-offs (x) | -0.2192% | 5,146 |
| Efficiency ratio | 132.6061% | 483 |
| Assets per employee ($millions) | 4.0069% | 3,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1791% | 190 |
| Loan loss allowance to noncurrent loans | 49.1683% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 9.2902% | 260 |
| Noncurrent loans to loans | 8.4995% | 403 |
| Net loans and leases to total assets | 77.9978% | 1,824 |
| Net loans and leases to deposits | 87.4517% | 3,389 |
| Net loans and leases to core deposits | 115.2930% | 2,876 |
| Total domestic deposits to total assets | 89.1895% | 1,149 |
| Equity capital to assets | 10.0521% | 3,942 |
| Core capital (leverage) ratio | 8.7230% | 5,114 |
| Tier 1 risk-based capital ratio | 10.9728% | 5,926 |
| Total risk-based capital ratio | 12.2659% | 5,791 |
| Memoranda: | ||
| Average total assets | $138,598,000 | 4,216 |
| Average earning assets | $120,561,000 | 4,369 |
| Average equity | $14,309,000 | 4,267 |
| Average total loans | $113,818,000 | 3,702 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9552% | 5,782 |
| Cost of funding earning assets | 3.3062% | 908 |
| Net interest margin | 2.6490% | 7,581 |
| Noninterest income to average assets | -0.0331% | 8,177 |
| Noninterest expense to average assets | 3.5724% | 2,219 |
| Loan and lease loss provision to assets | 4.2005% | 151 |
| Net operating income to assets | -3.2714% | 7,882 |
| Return on assets (ROA) | -3.2714% | 7,864 |
| Pretax return on assets | -5.3911% | 8,057 |
| Return on Equity (ROE) | -29.3701% | 7,947 |
| Retained earnings to average equity (ytd only) | -29.3701% | 7,898 |
| Net charge-offs to loans | 3.1827% | 268 |
| Credit loss provision to net charge-offs | 165.5278% | 3,109 |
| Earnings coverage of net charge-offs (x) | -0.4692% | 6,473 |
| Efficiency ratio | 149.9852% | 350 |
| Assets per employee ($millions) | 3.5932% | 4,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4474% | 76 |
| Loan loss allowance to noncurrent loans | 58.6557% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 10.1078% | 153 |
| Noncurrent loans to loans | 9.2870% | 244 |
| Net loans and leases to total assets | 78.3876% | 2,026 |
| Net loans and leases to deposits | 88.8326% | 3,658 |
| Net loans and leases to core deposits | 120.5525% | 2,634 |
| Total domestic deposits to total assets | 88.2419% | 1,365 |
| Equity capital to assets | 10.6193% | 3,369 |
| Core capital (leverage) ratio | 8.8362% | 4,989 |
| Tier 1 risk-based capital ratio | 11.0337% | 5,694 |
| Total risk-based capital ratio | 12.3403% | 5,532 |
| Memoranda: | ||
| Average total assets | $141,864,600 | 4,052 |
| Average earning assets | $129,332,400 | 4,053 |
| Average equity | $15,801,800 | 3,974 |
| Average total loans | $113,110,800 | 3,609 |